Reference

How l2r Governs Your Account and Rights

These terms set out the rules that apply when you open an account with l2r and use any part of our platform — from the lobby to your…

Jurisdiction-Dependent AccessAccount Ownership RulesData Retention PolicyDispute ProcessUPI & Paytm Transaction Terms

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Our Legal Position and Your Obligations

l2r Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

l2r operates under a framework designed to be transparent about what we collect, how we use it, and what rights you hold over your own account data. Our terms are governed by the jurisdiction of the entity operating the platform, and any dispute is handled under

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those applicable laws. You are responsible for ensuring your use of l2r is lawful in your own location — eligibility depends entirely on local law and is available only where local law permits. When you conduct transactions via UPI, Paytm, or PhonePe, those payment rails are
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subject to their own provider terms in addition to ours. We do not override those provider policies. Account registration implies acceptance of these terms in full, including any amendments we notify you of through the platform.

Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

LEGAL CONTACT PATHS

Reach Us on Policy and Account Matters

If you have questions about your rights under these terms, want to request data changes, or need to raise a dispute, our support team is available across multiple channels.

Email Support Send detailed legal or account queries to our support email. Policy-related emails receive a dedicated review and a written response within 48 hours on business days, covering your specific concern.

Live Chat Chat with our team directly from the platform for account access issues or quick clarifications on policy wording. Live chat agents can escalate to the legal team for formal requests.

Help Centre Our on-platform help centre holds structured answers on data rights, account closure, UPI transaction disputes and terms changes — searchable by topic so you reach the right policy section fast.

ACCOUNT SECURITY STANDARDS

How l2r Protects Data and Handles Your Account

Security and transparency are built into how we handle every account. From the moment you register, your data is stored with encryption, accessed only by authorised staff, and retained only as long…

Data Encryption

All account data — including identity details and transaction records from UPI, Paytm or PhonePe — is encrypted at rest and in transit. Unauthorised internal access is logged and audited on a regular cycle.

Cookie Policy

We use session and analytics cookies to keep your lobby preferences saved and to understand how pages perform. You can manage cookie settings at any point through the platform's preference panel without losing your account.

Data Retention

Account data is retained for the period required by the governing jurisdiction's financial and identity regulations. Once that period lapses and your account is closed, personal data is deleted per our documented schedule.

Access Requests

You have the right to request a copy of the personal data we hold on your account. Submit a written request through live chat or email and we will provide a structured data summary within the legally required timeframe.

Account Security

Two-factor verification is available on all accounts. We recommend enabling it, especially if you transact via UPI or Paytm. Suspicious login attempts trigger an automatic account hold and email alert.

Dispute Resolution

Disputes over account outcomes, withheld funds or data handling go through a formal escalation process. Our legal team reviews each case and responds in writing within the timeframe set out in the governing terms.

Common Questions on Our Terms and Your Rights

These answers address the policy questions our team hears most often — covering account rights, data handling, jurisdiction, and how to raise a formal concern. If your question is not covered here, reach out through live chat or email and our team will respond directly.

Access depends on local law and is available where local law permits. You are responsible for confirming that using this platform is lawful in your specific state or union territory before opening an account.

Submit a written data-access request through our live chat or support email. We will compile your account data into a structured format and deliver it within the legally required timeframe applicable to your jurisdiction.

Yes. Once your account is closed and any mandatory retention period under applicable financial regulations has passed, we will delete your personal data per our documented schedule. Contact support to initiate the process.

Our terms are governed by the jurisdiction of the entity operating the l2r platform. The specific governing law is stated in the full terms document available on your account dashboard under the legal section.

Raise the dispute through our support team with your transaction reference. We liaise with the relevant payment provider — UPI, Paytm, or PhonePe — and provide a written resolution within the timeframe set out in our terms.

We notify you via your registered email address and with an in-platform banner when material changes are made. Continuing to use your account after the stated effective date means you accept the updated terms.

Send a formal written complaint to our legal support email. Our team acknowledges receipt within one business day and provides a substantive written response within 48 hours, or longer if the matter requires additional review.

How l2r Governs Your Account and Rights

Reach Us on Policy and Account Matters

How l2r Protects Data and Handles Your Account

Data Encryption

Cookie Policy

Data Retention

Access Requests

Account Security

Dispute Resolution

Common Questions on Our Terms and Your Rights

01 Can I use l2r if I am based in India?

02 How do I request a copy of my personal data?

03 Can I ask l2r to delete my data?

04 What law governs these terms?

05 What happens if I dispute a UPI or Paytm transaction?

06 How does l2r notify me when terms change?

07 Who do I contact to raise a formal legal complaint?

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